Answered : I Have Average Credit Score | Can I Apply For Car Finance?
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I Have An Average Credit

I Have A Average Credit
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I Have An Average Credit

If you have a fair (average credit) score, it’s great news. Here at U Car Finance, we can help you get the best deal for your car finance; we offer an array of finance deals that caters for individuals with a fair (average credit) score, we take into account all circumstances, whether you have Good Credit, self-employed, unemployed or have an average credit. We can help you get the most competitive rates for your car finance, relative to your circumstances from our carefully selected panel of lenders.

We have panel of lenders who specialise in fair (average credit) Finance,  Lenders and dealers are often limited by the financial products they may have on offer, however with U Car Finance; we have 100’s of financial products to suit your car finance needs, especially those with a fair (average credit).

If you have a Vehicle On Finance, and you would like to upgrade your vehicle, we can help you. U Car Finance we can arrange for you to settle with your existing lender for you.  You can do this by either part exchanging your current vehicles using our part exchange program within our account area. If the car is worth more than you currently have outstanding with your lender, you can use the remaining equity as a deposit towards your new vehicle.

I Have Average Credit, but I Am Struggling To Get Finance on My Own

If you are currently in a position, where you have been refused few times even with an initial deposit, consider taking out a Guarantor Loan or applying as a Joint Applicant. This will heighten your chance for approval.

We have panel of lenders who specialise in less than average credit score, Although we cannot guarantee you a loan/finance, we welcome individuals with Good Credit, Average Credit, Poor Credit, we consider all our applicants on an individual case by case basis, this way we can take all small personal factors into consideration when making a decision. We have 100’s of financial products to suit your car finance needs, especially those with lower than average credit.

Use our finance calculator to see what you could borrow today. Our Finance Calculator can give an idea on your monthly repayments based on your credit rating.  Take a look at the 1,000+ vehicles on our site; they’re all from FCA approved reputable dealers!

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U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

Our Contact Infomation

Contact us if you have any questions.

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Phone : 0330 223 4384
Email :

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